ESD payment sent to closed bank account - how to recover funds?

dont worry the bank will reject it and esd will try to reissue but U GOTTA CALL THEM to make sure they know about it. they wont automatically know your acct is closed

This happened to me back in January. The payment will be rejected by your bank and returned to ESD, but it doesn't automatically get reprocessed. You need to contact ESD to have them reissue the payment once they get the funds back. The problem is that the bank rejection process can take 3-5 business days, and then ESD's reprocessing can take another 1-2 weeks. Make sure your new banking info is correct in the system before they reissue the payment. Also, double check that you updated it through the direct deposit section and not just in your profile information.

I went through something similar last month. The payment bounces back to ESD, but then it gets stuck in their system until you contact them. I spent TWO DAYS trying to get through on the phone with no luck - kept getting the "high call volume" message and disconnects. I finally used Claimyr (claimyr.com) and got through to an agent in about 20 minutes. They have a video demo showing how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3. The agent was able to see that my payment had been returned and put in a request to have it reissued to my updated account. Still took about 3 business days to get the money after that, but at least the process was started. Make absolutely sure your new bank info is entered correctly before they reprocess it!

THE SAME EXACT THING HAPPENED TO ME!!! The system is SO BROKEN! They sent my payment to my closed Wells Fargo account even though I had updated my info WEEKS earlier! When I finally got through to someone they claimed they never received my updated banking info even though I had confirmation! It took me nearly a MONTH to get my money!!!!

This is a common problem with ESD. When your payment goes to a closed account, the money will get rejected and return to ESD, but it doesn't automatically get reprocessed. Here's what you need to do: 1. Make sure your new banking info is properly entered and verified in your ESD account 2. Contact ESD to inform them about the closed account 3. They'll have to manually reissue the payment once the funds are returned Typically banks will reject and return the funds within 2-5 business days. Once ESD receives the returned funds, they can reissue the payment, which usually takes another 2-3 business days. If you need the money urgently, definitely be proactive about contacting them rather than just waiting. Unfortunately, their system doesn't automatically notify them when payments fail.

have you tried using the message center in ur esd acct? sometimes they answer faster there. but honestly phone is probably best for this cuz its about money. good luck getting thru tho lol it took me like 50 tries last time i had an issue

Just checking in - were you able to get this resolved? If you're still having trouble, you might also want to check if your local WorkSource office is open for in-person assistance. Sometimes they can help with these issues or at least connect you with the right ESD staff.

Same thing happened to my friend last year and she had to wait almost 3 weeks to get it sorted out. The bank rejection process is slow and then ESD takes forever to reprocess. One tip - if you have any confirmation emails or screenshots from when you updated your banking info, save those! Sometimes ESD claims they never got the update even when you have proof you submitted it. Also make sure to check that your new account can actually receive ACH transfers - some newer online banks have restrictions that can cause issues.

I'm dealing with this exact same issue right now! My payment was sent to my old Chase account that I closed two months ago. Reading through everyone's responses, it sounds like I need to be proactive about calling ESD rather than just waiting for it to automatically bounce back. Has anyone had success getting through on the phones early in the morning? I've been trying during lunch breaks but keep getting disconnected. Also wondering if there's a specific department I should ask to be transferred to when I do get through - like is there a payment processing team that handles these situations specifically?

I just went through this nightmare last month! My payment got sent to my closed Bank of America account and it was such a headache to resolve. Here's what I learned: the bank will reject the payment within 3-5 business days, but ESD doesn't get notified automatically that it failed. You absolutely HAVE to call them or use that message center to let them know what happened. I waited two weeks thinking it would just bounce back and get reprocessed automatically - big mistake! Once I finally got through to someone and they saw the returned payment in their system, they were able to reissue it pretty quickly. Make sure you triple-check that your new banking info is correct before they send the replacement payment though, because if that one fails too you'll be waiting even longer. The whole process took about 3 weeks total for me, but most of that was my own fault for not being proactive about contacting them right away.

I'm going through this exact situation right now too! My payment was marked as "paid" on Tuesday but went to my old credit union account that I closed in February. After reading everyone's advice here, I called ESD first thing this morning at 8 AM and actually got through after about 45 minutes on hold. The agent confirmed that my payment was indeed rejected by the bank yesterday and the funds are now back in their system. She was able to see my updated banking information that I had entered last week and said she's putting in a request to reissue the payment to my new account. She told me to expect it within 3-5 business days. For anyone else dealing with this - definitely call as early as possible and ask specifically for "Payment Services" when you get through the initial menu. Having your claim number and the exact payment date ready really did speed things up. Also, the agent mentioned that they're seeing a lot of these closed account issues lately, so you're definitely not alone if this happens to you!

I had this happen to me about 6 months ago when I closed my old Wells Fargo account but forgot to update ESD right away. The good news is that the bank will definitely reject the payment since the account is closed - usually within 2-3 business days. The bad news is that ESD won't automatically know about the rejection or reprocess it without you contacting them. Here's what worked for me: I called ESD the day after I realized what happened (don't wait for the rejection to process first). When I got through, the agent was able to put a note on my account about the closed bank situation. Then once the funds were returned to ESD a few days later, they already had my updated banking info and the note about the issue, so they reprocessed it pretty quickly. The key is being proactive - if you wait for ESD to figure it out on their own, you could be waiting weeks or even months. Also, take screenshots of your updated banking information in the portal as proof you made the change, just in case there are any disputes later. Good luck getting through on the phones!